Put The Car Behind The Automobile Insurance Quote.
Thinking about calling some insurance agencies for an automobile insurance quote? Looking for better coverage for your dollar, a less-expensive policy, or some combination of both?
Then do yourself and every broker or clerk you speak to a tremendous favor and prepare certain information before you make your first call for an automobile insurance quote.
Basic Information You’ll Need For Your Quote
- Your driver license because the broker will need the license number to order your motor vehicle record. Yes, people do call for an automobile insurance quote and can’t find their driver license. What would they do if the police pulled them over and said “License, insurance card and registration”?
- Your date of birth.
- Your social security number.
- The age you were first licensed. 1
- The year you were first licensed. 1
- Has you driver license even been suspended or revoked for cause?
- Have you ever completed a Defensive Driving course? If so, what was the date you completed the course. 2
- The Vehicle Identification Number (s) of any vehicle you want to insure.
- Your vehicle’s year, make, and model.
- The cost of your vehicle when it was new.
- How the car or truck will be driven. In other words, will it be pleasure only, used for a short or a long commute to work, or will it be used in the course of your business?
- Your current address. If you haven’t lived at your current address for at least three (3) years, what was you last address, and how long did you live there?
- The name, policy number, and length of time you’ve been insured by your current auto insurer, and any other automobile insurance company you’ve been insured by in the last five (5) years.
- How many, if any, no-fault losses have you had in the past five (5) years? If any, when did they occur, and how much was paid for each claim? 1
- How many moving violations?
- How many accidents in the last five (5) years? How many were definitely your fault? 1
- When did they occur? 1
- How many points on your license? 1
Above all else, be honest. Tell the quoting broker or clerk if there are other drivers in your household, whether or not they will driving your car, or own their own cars and carry their own insurance. There are few things worse than being caught in a lie when looking for auto insurance.
For example, I recently tried to work with a young lady who, when our conversation began, confirmed she lived alone. There were no other people in her household.
This young lady then told me she had two (2) vehicles to insure. To insurance agents and brokers this is a sure danger sign, especially for someone who’d never had an automobile insurance policy before. So, I asked her whether she would be driving both vehicles, or would someone else drive the second vehicle. She said her husband would be driving the second vehicle. So, when I asked her if she and her husband lived together, she seemed slightly put off, telling me that of course she, her husband and their children lived together.
I asked why she didn’t provide this information when I first requested it and she admitted that a family member told her not to as this should get her a lower rate.
He must have some driving record. Little wonder why automobile insurance premiums are so high, especially here in Brooklyn and Queens.
Best of luck with your search.
1 All of this information can be found on your driving record, or driving abstract. To avoid a trip to their local DMV office, New York State licensees can go to the New York State Department of Motor Vehicles website, http://dmv.ny.gov.
- Click on “Top Online Services” under the heading, “Driver Licenses.”
- Click on “Get My Driving Record.”
You can order your abstract either through the mail using the MV-15 form for $10.00, or get it online for the fee of $7.00. You will have to create a “MyDMV” account to this.
Of course, you can always get a copy of your driver license by simply going to your local DMV office.
2 Defensive Driving courses provide automobile insurance premium discounts and driver license point reduction which last for three (3) years from the course date.
For 33 years, and since October 20, 1995 when he opened his own financial services agency, Eustace L. Greaves, Jr., LUTCF has enjoyed providing his clients with the personal lines insurance coverages, income tax services, and defensive driving workshops they need to better their financial lives.
Call him at 718-783-2722, or email him [email protected] for a competitive quote for your life, home, flood, disability, renters, coop, condo, long-term care, and automobile insurance, personal income tax preparation services, or the date of his next defensive driving class.